Chikamu chako chekwereti chine hupfumi hwemashoko pamusoro pekwereti yako yekwereti kusanganisira kadhi rechikwereti uye maakarenda emakwereta wawakanga wazarura, bhaari kuakaunti yako, uye kana iwe wakabhadhara nenguva.
Makambani matsva anoshandisa ripoti yako yechikwereti kuti asarudze kana angaita bhizinesi newe. Vanokweretesa nevakweretesi vanoshandisa ripoti yako kuti vape chikwereti uye zvikwereti kwauri. Vashandi vanoshandisa iyo kuti vakupiwe. Varidzi venyika vanoshandisa iyo kuti vakwerere kwamuri.
Iwe unofanirwa kuzvitarisa kamwe chete pagore kuti uone kubatwa kwekuzivikanwa uye uone kuti mashoko akakodzera ari kuziviswa. Nenzira iyo iwe unogona kuwana chikwereti chako muhutano hwakanakisisa iwe usati wamboita chero zvikwereti zvekwereti.
Annualcreditreport.com
Mutemo weBurumende unokupa kodzero yekuona iwe pachako chikwereti chekwereti kamwe chete pagore kubva kune rimwe bhizimusi. AnnualCreditReport.com ndiyo webhusaiti yepakati pekutanga yekuraira mushumo wako wekukwereta usingabhadharwi iwe neChiratidzo uye Chakanaka chekutengesa Mutemo Mutemo (FACTA). Iyi ndiyo nzvimbo chete yekuwana mari yekwereti yepachena kubva kumatatu makuru ebhadharo pasina chikwereti.
Zvikwereti Zvikwereti
Iwe unogona kuraira chikwereti chako chekwereti kubva kune imwe neimwe yezvikwereti zvekwereti mumwe nomumwe nekuenda zvakananga kumawebsite avo: Equifax.com, Experian.com, uye TransUnion.com. Iwe unogona kutenga chikwereti chako chekwereti chete nehofisi iyoyo kana matatu-in-one chikwereti chikwereti chinoratidza zvose zvitatu zvikwereti zvikwereti kune rumwe rutivi.
Mumwe mushumo wechikwereti kubva kuhofisi hauna mari shoma kudarika matatu-in-one chikwereti chikwereti. Asi kana iwe uronga kutenga zvese zvitatu zvinokweretwa zvikwereti, iyo nhatu-in-one chikwata chekwereti inokosha zviri nani.
MyFICO
FICO, kambani iyo yakagadzira FICO chikwereti chekuenzanisa muenzaniso, inokubvumira kutenga zvikwereti zvako zvekwereti uye chikamu chako cheFICO kuburikidza newebsite yanguFFOO.com.
Iwe unogona kuraira imwe nguva yekwereti yekwereti kana kubvuma kubasa ravo rekucherechedza chikwereti uye tarisa chikwereti chako chekwereti kamwe kamwe pfumbamwe.
Free Reports Reports
Kunze kwegore rega rega remakore rechikwereti chekwereti, unogona kugamuchira mushumo wechikwereti wepachena pane mamwe mamiriro ezvinhu chaiwo. Kana iwe wakanga uine chikwangwani chakarambidzwa, hausi kushanda uye unoronga kutsvaga basa, unogamuchira rubatsiro rwehurumende, kana iwe wakanga uri munhu akabatwa nekuzvidzivirira, iwe unogona kuva nekodzero yemushumo wechikwereti. Iwe unofanirwa kuraira iyi shanduro yemutero wako wekwereti wepachena zvakananga kubva kuchikwereti chekwereti, kwete kuburikidza negore rekutanga repoti rekwereti yemari.
Mukuwedzera, dzimwe nyika dzine mitemo iyo inopa mari yemamwe mari yegore negore pasina.
CreditKarma.com uye CreditSesame.com kune mawebhusayithi maviri ekuchengetedza chikwereti anopa mvumo yako yekwereti pasina.
Precautions
Kune dzakawanda fishing scams zvine chokuita nemishumo yechikwereti. Maererano neAprivacy Clearing House, pane 96 mashekeri ewebsite ye yearcreditreport.com. Aya mawebhusayithi kana kuti anoda ruzivo rwako pachako kana kuti anoda kukunyengedza kuti usayine basa rekubhadhara kubhadhara. Heano mamwe mazano ekudzivisa pachena chikwereti chekwerekiti yemhosva:
- Ingoshanyira mawebhusayithi anotendwa kuti utore chikwereti chako chekwereti. Nzvimbo dzakataurwa apa ndidzo nzvimbo dzakachengeteka. Ngwarira pamusoro pokushanyira chero imwe nzvimbo.
- Usanyorera pahungano muma email, kunyange kana email ichioneka yakakodzera. Kazhinji pane zvisiri izvo, kubatana kuchakutora iwe kune websaiti yekunyoresa ichiita sechinhu chaicho.
- Kana iwe uchinge uchinge uchikanganisa paunyoresi ye email, chengetedza kuona kana kero iri mu browser yako ndiro kero waunotarisira. Kana URL iri kutarisa, isavha browser yako, uye chura cache yako uye makiki.
- Ingoisa iwe ruzivo rwako pachako munzvimbo dzakachengeteka ne URL uchitanga ne "https" kana nekivha muzasi-kurudyi chekushandura, kana zvose zviri zviviri.
- Kana iwe uchifunga kuti ruzivo rwako pachako rwakavhiringidzika, unogona kuwedzera kunyevera kwekunyengedzera kwehupoti yako yekwereti kuti uyevere vatengesi kuti vatore matanho ekuwedzera kuti vimbise huzivi hwako musati wambomira chikwereti-based application.